Protection 365

You’ll benefit from all-in-one coverage that includes personal accident and disability, travel inconvenience, and home insurance benefits.

There is also a loan and credit card monthly repayment benefit of up to AED 3,500 per month for 12 months following accidental death or disability.

Accidental death (AD) / permanent total disability (PTD) benefits, while living and working:	Essential (in AED)	Elite (in AED)	Prestige (in AED)	Premiere (in AED)
Loan / mortgage payment – monthly benefit, up to 12 months	5,000	10,000	15,000	20,000
Credit card bill payment – monthly benefit, up to 12 months	3,500	6,000	10,000	15,000
School fees payment – monthly benefit, up to 12 months	1,500	2,500	3,500	4,500
Double benefit for AD / PTD for common carrier accidents	For the above	For the above	For the above	For the above
Flying mortal remains to home country	2,500	5,000	7,500	10,000
Air fare for a family member on repatriation	2,500	5,000	7,500	10,000
Permanent partial disablement (as per percentage scale, subject to a maximum of)	120,000	222,000	340,000	475,000
Medical reimbursement for AD / PTD / PPD (deductible of 100)	5,000	10,000	12,500	15,000
Family cargo for shipping personal items to home country	2,500	5,000	7,500	10,000

Accidental death (AD) / permanent total disability (PTD) benefits, while at hospital:	Essential (in AED)	Elite (in AED)	Prestige (in AED)	Premiere (in AED)
Hospital cash due to accident (up to 60 days)	40 per day	80 per day	120 per day	160 per day
Hospital cash due to accident in ICU (up to 60 days)	80 per day	160 per day	180 per day	200 per day
Broken bones due to accident	2,000	4,000	6,000	8,000

Accidental death (AD) / permanent total disability (PTD) benefits, while away:	Essential (in AED)	Elite (in AED)	Prestige (in AED)	Premiere (in AED)
Trip cancellation / curtailment	250	250	500	500
Personal liability	25,000	25,000	25,000	25,000
Baggage delay (25 per hour, excluding first four hours)	250	250	500	500
Trip delay (25 per hour, excluding first four hours)	250	250	500	500
Legal fees	2,500	7,500	10,000	12,500
Missed departure	250	250	500	500
Hijack	250 per hour up to a maximum of 5,000	250 per hour up to a maximum of 5,000	250 per hour up to a maximum of 5,000	250 per hour up to a maximum of 5,000
Missed flight connection	500	500	500	500
ISOS (RSA partner)	Included	Included	Included	Included

Home contents benefits, while at home and away:	Essential (in AED)	Elite (in AED)	Prestige (in AED)	Premiere (in AED)
Contents	20,000	30,000	50,000	75,000
Contents temporarily removed	4,000	6,000	8,000	10,000
Contents in the open	500	1,000	1,500	2,000
Loss/damage to contents when moving to a new home	4,000	6,000	10,000	15,000
Loss of rent and alternative accommodation (hotel in UAE, AED 300 per day)	Up to 8,000	Up to 12,000	Up to 15,000	Up to 20,000
Replacement of locks and keys	500	1,000	1,500	2,000
Visitor’s personal belongings lost/ damaged	2,500	2,500	3,000	3,000
Tenant’s liability	50,000	150,000	200,000	250,000
Loss of documents (passport, driving license, Emirates ID and work permit)	3,000	3,000	3,000	3,000
Worldwide cover for personal belongings, including jewelry, portable electronics, mobiles, tablets, documents, wallets and misuse of credit card and other valuables carried with the individual. Covers loss, accidental damage, theft in the UAE and up to 90 days while travelling worldwide.	2,000	6,000	7,500	10,000
Loss of money and misuse of credit card	2,000	4,000	6,000	8,000
Death or permanent total disablement (for domestic help due to accident)	10,000	15,000	20,000	30,000
Repatriation expenses (for domestic help – mortal remains, due to accident)	5,000	5,000	5,000	5,000

Additional Benefit

Home contents benefits, while at home and away:	Essential (in AED)	Elite (in AED)	Prestige (in AED)	Premiere (in AED)
Second opinion service	Included	Included	Included	Included

Policy Terms and Conditions

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